stockrowBread Financial Holdings, Inc.
Bread Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, down 1.90% from fiscal 2024.
- Revenue
- +2.96%
- EPS
- −1.26%
- Free cash flow
- +0.17%
- Total debt
- −17.2%
Quarter to September 2026, against a year earlier
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Bread Financial Holdings, Inc. (BFH) Operating cash flow
Bread Financial Holdings, Inc.'s operating cash flow for fiscal 2025 was $2.1B, up 12.5% from $1.9B in fiscal 2024. Over the twelve months to 30 September 2026 it was $2.2B. Over the past ten years it has ranged from $1.2B (fiscal 2019) to $2.8B (fiscal 2018); the current reading is higher than 73% of that period. Bread Financial Holdings, Inc. ranks 9th of 52 Credit Services companies by operating cash flow.
Operating cash flow, annual
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Annual newest first
| Period | Operating cash flow | Change |
|---|---|---|
| FY2025 | $2.1B | 12.53% |
| FY2024 | $1.9B | (6.44%) |
| FY2023 | $2.0B | 7.52% |
| FY2022 | $1.8B | 19.77% |
| FY2021 | $1.5B | (18.06%) |
| FY2020 | $1.9B | 54.60% |
| FY2019 | $1.2B | (55.79%) |
| FY2018 | $2.8B | 5.99% |
| FY2017 | $2.6B | 22.18% |
| FY2016 | $2.1B | 20.88% |
Quarterly newest first
| Period | Operating cash flow | Change |
|---|---|---|
| Sep 2026 | $601.0M | 12.76% |
| Jun 2026 | $533.0M | 9.45% |
| Mar 2026 | $487.0M | (14.26%) |
| Dec 2025 | $568.0M | (6.12%) |
| 43 more quarters | Free account |
Against its own ten years
Operating cash flow against peers
| Company | Operating cash flow |
|---|---|
| OMF OneMain Holdings, Inc. compare | $3.2B |
| BFH Bread Financial Holdings, Inc. | $2.2B |
| ENVA Enova International, Inc. compare | $2.1B |
| CACC Credit Acceptance Corporation compare | $1.3B |
| NNI Nelnet, Inc. compare | $478.8M |
| AGM Federal Agricultural Mortgage Corporation compare | $310.1M |
| SEZL Sezzle Inc. compare | $275.6M |
| UPST Upstart Holdings, Inc. compare | −$114.3M |
| SLM SLM Corporation compare | −$381.6M |
What Operating cash flow is
Operating Cash Flow shows how much cash a company’s day-to-day business actually brings in, after paying suppliers, staff and taxes.
Reported line item
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- Revenue
- Net income
- EPS (diluted)
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- Free cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
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